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Security Bank and Trust Company

Maysville, KY · Cert 8121 · Security Bcorp Maysville Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$71.8MAssets
$27.1MLoans
$60.3MDeposits
$11.3MEquity
Loan mix
88%RE $23.7M9%C&I $2.4M3%Consumer $0.8MQ2 2025Q2 2026
Deposit mix
72%Interest-bearing $43.6M28%Noninterest $16.7MQ2 2025Q2 2026

NIM

3.74%Q2 ’244.03%Q2 ’254.32%Q2 ’26+1%+13%

Non-interest income vs. expense

1.67%Q2 ’241.76%Q2 ’251.84%Q2 ’26+5%+6%

Executive Summary

  • Earnings: ROA of 1.68%, up 25 bps year over year; NIM at 3.72%.
  • Asset quality: problem loans at 1.86% of loans (+176 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 15.74%, up 15 bps from a year ago.
  • Funding: loans stand at 44.97% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.68%+25 bps YoY

Net Interest Margin (quarter, annualized)

3.72%+43 bps YoY

Efficiency Ratio (quarter, annualized)

46.22%-323 bps YoY

Tier 1 Leverage Ratio

15.74%+15 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.44%1.45%1.56%1.49%1.68%+25 bps
Return on Equity9.15%8.89%9.64%9.61%10.78%+163 bps
Net Interest Margin3.28%3.42%3.57%3.59%3.72%+43 bps
Efficiency Ratio49.45%50.31%48.64%50.45%46.22%-323 bps
Non-Interest Burden1.48%1.59%1.59%1.68%1.58%+10 bps
Growth
Asset Growth (YoY)-3.44%-4.41%0.51%1.81%1.55%+499 bps
Loan Growth (YoY)4.43%1.69%-4.77%-6.11%-9.61%-1,404 bps
Deposit Growth (YoY)-7.51%-5.35%0.35%2.08%5.35%+1,286 bps
Asset Quality
Nonperforming Loans / Loans0.09%0.14%0.09%0.09%1.86%+176 bps
Net Charge-Offs / Loans-0.01%0.00%0.00%0.00%0.00%+1 bps
Allowance / Loans0.97%1.00%1.04%1.07%1.07%+10 bps
Allowance Coverage of NPLs10.4x7.3x11.6x12.1x0.6x-9.8x
Capital
Tier 1 Leverage Ratio15.59%16.36%15.77%15.79%15.74%+15 bps
Total Risk-Based Capital15.59%16.36%15.77%15.79%15.74%+15 bps
Equity / Assets15.80%16.78%15.52%15.41%15.76%-4 bps
Liquidity & Funding
Loans / Deposits52.41%51.81%48.36%44.90%44.97%-744 bps
Liquid Assets / Assets51.12%48.95%52.23%55.49%56.80%+567 bps
CRE / Total Capitaln/a102.63%99.94%94.31%n/an/a